Secrets of Success

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Eating out

Take advantage of the cheaper lunch menu when eating out. Many restaurants offer the same menu at lunch-time but with a cheaper daytime price. By eating out for lunch and eating in for dinner, you can save a lot of money on food expenses and still enjoy yourself.

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Scrip Cards

I buy Scrip cards from my kids' school. It helps me budget how much I spend at each of those stores and I get 50% of the rebate applied to my kids' tuition and the rest of the rebate goes to the school. It's a win/win situation

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Sharpen Needles and Sissors

To sharpen needles work a few stiches through a piece of emery cloth. And to sharpen blunt sissors do so by cutting emery cloth.

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Watch your Gas Mileage

When gas was $4/gallon, we all heard about how setting your cruise control can save you money! So pay attention to your gas mileage, set your cruise control if possible, and watch your speed. A great link to some other gas saving tips can be found below.

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AAA members save big on insurance

Because people who are willing to pay to belong to an auto club are statistically more safety minded, insurance bought through AAA is less costly. The difference will more than pay for your membership. Plus you can use your membership card to get discounts at many stores, restaurants, etc.

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Use Cash!!

On payday, withdraw X amount of dollars for the next week or two. Only use this money for expenses. Whatever is left in your checking, leave it there until next payday - then transfer to savings.

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Clearance racks

Whenever i go into a department store i always look into the clearance racks first. It is surprising how much money I have saved doing this. Today i found a very nice jogging set for my granddaughter for a $1, retail price was $12. I have also pick up a $80 dress for myself for only $15.

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I save one dollar bills that I get in change.

Whenever I receive one dollar bills, I tuck them away and save them. So far, I have bought a patio set and a big screen tv all for cash, just by saving ones!

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All Adds Up

I have been saving my change for years. You would be surprised how it adds up.. I found that it was heavy for me to carry so I started taking it out of my purse each day and putting into a jar. Hubby watched me and started doing the same. We take our vacation each year on this change

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NEVER LEND MONEY TO FAMILY OR FRIENDS

After I made the loan of $7500, I saw the Clark Howard Show. He said that 46% of the loans made to family or friends are NEVER paid back, vs 4% of loans made from banks and credit unions. Seven months later..I have gotten back $250, and that was 3 months ago.

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Please note these are member-submitted secrets and are not reviewed by SparkPeople's health experts for accuracy. If you feel a secret is inappropriate, please click the "Report Inappropriate Secret" on the secret's page and our staff will review it.